Rates

Savings Accounts

Money Management Accounts

IRA Accounts

Loan Rates

 Real Estate Loans

Mortgage Rates

 

 

Savings Rates

All rates subject to change.  Membership eligibility required. 
♦ Includes Health Savings Accounts (HSA)

Share Type

Minimum Dividend Balance

Dividend Rate

Annual Percentage Yield*

Div. Period

 Share/Open Deposit ♦

$25 

 .05

 .05

MO 

Christmas 

 $25

 .05

.05

MO 

Escrow 

 $25

 .05

.05

MO 

 Share Draft

 $2500

 .05

.05

MO 

  Health Savings
Share Draft

Non-Interest 

 

 

 

Money Management Accounts
Health Savings Money Management Accounts

Dividend Balance Dividend Rate Annual Percentage Yield* Div. Period
$25 - $2999.99 .05 .05 MO
$3000 -$ 7499.99 .10 .10 MO
$7500 - $14999.99 .15 .15 MO
$15000 - $49999.99 .20 .20 MO
$50000 & over .25 .25 MO
*Annual Percentage Yield is accurate as of the last dividend declaration date.  Rate may change after account is opened. 
Share Certificates
Share Type Minimum
Dividend
Balance
Dividend
Rate
Annual Percentage Yield ** Div.
Period
3 Month
Certificate
$500 .20 .20 MO

6 Month Certificate ♦

$500 

.30

.30

MO 

 12 Month Certificate ♦

$500 

 .45

.45

MO 

 18 Month Certificate ♦

$500 

.70

.70

MO 

30 Month Certificate ♦

$500 

.80

.80

MO 

48 Month Certificate ♦

 $500

 1.00

1.00

MO 

A penalty may be imposed for withdrawal before maturity. 
** Annual Percentage Yield is accurate as of April 2, 2018. 
 

Individual Retirement Accounts

All rates subject to change.  Membership eligibility required. 

 Share Type

 Minimum Dividend Balance

 Dividend  Rate

 Annual Percentage Yield *

 Div. Period

 IRA Open Deposit

 $25

 .10

.10 

 MO

*Annual Percentage Yield is accurate as
of the last dividend declaration date. 
Rate may change after account is opened. 
 Share Certificates
Share Type Minimum Dividend Balance Dividend
Rate
Annual Percentage Yield ** Div. Period

 12 Month Certificate

$500 

.45

.45

 MO

 12 Month Certificate

$15000 

.45

 .45

 MO

 12 Month Certificate

$25000 

 .45

.45

MO 

 18 Month Certificate

$500 

.70

.70

MO 

 18 Month Certificate

$15000 

.70

.70

MO 

 18 Month Certificate

 $25000

.70

.70

MO 

 30 Month Certificate

$500 

 .80

.80

 MO

 30 Month Certificate

$15000 

.80

.80

 MO

30 Month Certificate

$25000

.80

.80

MO

48 Month Certificate

$500

1.00

1.00

MO

48 Month Certificate

$15000

1.00

1.00

MO

48 Month Certificate

$25000

1.00

1.00

MO

A penalty may be imposed for withdrawal before maturity. 
** Annual Percentage Yield is accurate as of April 2, 2018. 

 

 
 
 

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Loan Rates
INDIVIDUAL CREDIT SCORE MAY AFFECT POSTED RATE
RATES MAY CHANGE WITHOUT FURTHER NOTICE

Titled Collateral •

Term
New Monthly
Payment
**

2018
2017
2016

Monthly 
Payment
**

2015
2014

Monthly
Payment
**

2013
2012
2011

Monthly 
Payment
**

Older

Monthly
Payment
**

  APR*  

APR*

 

APR*

 

APR*

 

APR*

 

24 MO

2.99% $42.98

3.10%

  $43.03

3.54%

 $43.22

4.25% 

$43.54

5.75% 

$44.21

36 MO

3.15% $29.15

3.25%

 $29.19

3.64%

 $29.37

 4.49%

$29.75

5.99%

$30.42

48 MO

3.24% $22.24

3.39% 

$22.31

3.89%

 $22.53

 ----

 ----

---- 

---- 

60 MO

3.49% $18.19

 3.64%

 $18.26

 ----

 ----

 ----

 ----

 ----

 ----

72 MO 3.99% $15.64 --- --- --- --- --- --- --- ---

Registered and Other Collateral •

Term

New Monthly
Payment
**

2018
2017
2016

Monthly
Payment
**

2015
2014

Monthly
Payment
**

2013
2012
2011

 

Monthly
Payment
**

Older

Monthly
Payment
**

  APR*  

APR*

 

APR*

 

APR*

 

APR*

 

24 MO

4.74% $43.76

4.74%

$43.76

5.24%

$43.98

6.24% 

$44.43

7.74% 

$45.11

36 MO

5.24% $30.08

5.24% 

$30.08

5.54%

 $30.21

 6.54%

$30.67

8.00%

$31.34

48 MO

5.54% $23.27

5.54% 

$23.27

5.74% 

 $23.37

---- 

 ----

---- 

---- 

60 MO

5.74%

$19.21

5.74% 

 $19.21

 ----

 ----

 ----

 ----

 ----

 ----

72 MO 5.74% $16.45 --- --- --- --- -- --- --- ---

** MONTHLY PAYMENT IS BASED ON PRINCIPAL 
AND INTEREST PER $1000 FOR RATE AND TERM

THE APR POSTED IS BASED ON EXCELLENT CREDIT HISTORY

 • Loan Exception - Additional .5%               * APR = Annual Percentage Rate

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.25% Rate Discount For Automatic Payments

(Not valid on REAP, ARM, Construction or Line of Credit Loans)


Adjustable-Rate Mortgage Loan
Owner Occupied & Second Home
  First Mortgage Second Mortgage
Term ◊Interest Rate APR* Monthly Payment+ APR* Monthly Payment
61/24 Mo 3.80% 4.410% $466.13 3.80% $72.99
◊The initial rate is not based on the established index and is based on the borrower's credit worthiness. The interest rate, APR, and margin listed are based on a credit score of 700 or greater.  The first interest rate adjustment will occur in 61 months and every 24 months thereafter. +First Mortgage: Monthly payment based on a loan amount of $100,000.00 and 30-year amortization. This example includes origination fees. Rate and payment at first adjustment (based on the index and margins effective as of 07/02/2018):  4.75% APR, amortized for 299 months, with an estimated loan balance of $89,968.52 the monthly payment will be $514.02  Second Mortgage: Monthly payment based on a loan amount of $10,000.00 and 15-year amortization. Rate and payment at first adjustment (based on the index and margins effective as of 07/02/2018):  4.75% APR, amortized for 119 months, with an estimated loan balance of $7,225.14 the monthly payment will be $76.27. These payment examples do not include any mortgage insurance premiums, real estate taxes, homeowner’s insurance or additional fees or add-ons. If applicable the actual payment obligation will be greater.    The APR is variable and subject to change after the 61 months and may cause the payment to increase.  Index = Prime Rate published in the Wall Street Journal.  See credit union for full details.  

 

Mobile Home •
Balloon Rate ***

 

APR*

Monthly Payment**

61 Month Balloon

7.40%

$10.50

*** Loan amortization for new is 180 months, for 1-3 years old is 144 months, for 4-7 years old is 120 months, for 8-10 years old is 84 months, over 10 years is fixed for 60 months. 

• Loan Exception - Additional .5%          * APR = Annual Percentage Rate         
** Monthly Payment is based on principal and interest per $1000 for rate and term. 

 
Share/Share Certificate Secured Loan
3.00% Over Dividend Rate
(Dividend rate as of the last declaration date of the pledged account at time of loan closing)

 

Unsecured Loans

36 Month

11.00% APR*

$32.74 Monthly Payment **

 

Line of Credit Loans

Variable Kwik Cash 10.00% APR*
Master Card/Visa 13.90% APR*

 

 

Real Estate Balloon Loans

 

 

First Mortgage

 

 

Second Mortgage
(First Mortgage
at PFCU)

 

 

Second Mortgage

 Term

Interest Rate

APR*

Monthly Payment+ APR* Monthly
Payment+

APR*

 Monthly Payment+
Non-Owner Occupied

24
MO

4.40% 4.468% $627.42  4.40% $76.01  4.75% $77.80
36 MO 4.65%  4.697%  $640.95 4.65%  $77.29  4.95% $78.84

 Vacant Land

24 MO

4.40%

4.468%

$627.42 4.40% $76.01

4.75%

$77.80

36 MO

4.65%

4.697%

$640.95 4.65% $77.29

4.95%

$78.84

60 MO

4.80%

4.831%

$649.14 4.80% $78.06

5.10%

$79.62

Individual credit score may affect posted rate

+ First Mortgage: Monthly payment based on a loan amount of $100,000.00 with a 20 year amortization and final balloon payment due on the maturity date. This includes origination fees. +Second Mortgage: Monthly payment based on a loan amount of $10,000.00 with a 15 year amortization and final balloon payment due on the maturity date. These payment examples  do not include any mortgage insurance premiums, real estate taxes, homeowner's insurance or additional fees or add-ons. If applicable the actual payment obligation will be greater. 

Construction Loan

Contact Us!

Line of Credit Loans

REAP Loans (variable)

5.00% APR*

REAP Loans (fixed)

5.25% APR*

 

Long Term Fixed Mortgages
Saleable Loans

10 Year

Purchase or Refinance

15 Year

Purchase or Refinance

20 Year

Purchase or Refinance

30 Year

Purchase or Refinance

Phone: 920.898.4232 for current rates

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Rates may change without further notice.

Loan rates effective:07/02/2018

 

 

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